Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

ManipalCigna Health Insurance Claim Settlement

The claim process at ManipalCigna Health Insurance Company is easy, fast, and hassle-free. The insurer makes policyholders aware enough to go through the process quite comfortably. ManipalCigna has been widely appreciated in the health insurance industry for its services and claim settlement. Like in other health insurance companies, at ManipalCigna, policyholders can get their claims settled either through a cashless procedure or through a reimbursement procedure.

  • Claim Process for Cashless Treatment

    Under this type of facility, treatment should be taken at network hospitals. ManipalCigna has 6,969+ hospitals in its network. In this process, you don't need to make any medical-related payment. The health insurer is directly eligible for the payments related to the health care expenses covered in the health insurance plan. Follow the below guidelines:

    • First of all, find a ManipalCigna network hospital in a city where you want to get cashless treatment
    • Intimate ManipalCigna within 48 hours in emergency hospitalisation and 3 days before admission in case of planned hospitalisation
    • While visiting the hospital, carry the ManipalCigna cashless treatment card and one photo ID proof
    • Fill out the pre-authorization request form available at the hospital and submit it to the hospital
    • After your identity is checked, the network hospital sends the pre-authorization request form to ManipalCigna
    • The claim details and documents will be reviewed by ManipalCigna​ as per the policy terms and conditions
    • If the insurer approves the same, the medical bills will be borne by them
    • ManipalCigna may request certain additional documents if required
    • On the denial of the claim, the amount of the denied treatment or procedures will need to be paid by the policyholder.

    How to Check Manipal Cigna Health Insurance Plan Claim Status

    To track the status of your claim, you can either follow the online method or the offline method.

    Online Process

    To track your claim status, you can simply follow the steps given below:

    • Go to the Manipal Cigna Health Insurance website and select the claim section.
    • Then, in order to track the status of your claim, simply enter details such as Your policy number and date of birth.
    • Afterward, click on ‘Submit’. You can check your claim status.

    Offline Process

    If you are not able to check the status of your claim online, you can directly contact Manipal Cigna Health Insurance at 1800-102-4462(Toll Free number) or email them at customercare@manipalcigna.com. Also, you can visit Manipal Cigna Health Insurance’s nearest branch and ask customer care representatives for help. They will ask you regarding details like your policy intimation number, policy ID card number to give you updates regarding your claim status.

  • Reimbursement Treatment

    Claim settlements for reimbursement are made when policyholders avail treatment at a network or non-network hospital.

    • Before you look for medicinal treatment, inform about your hospitalisation at toll-free helpline 3 days in advance for a planned admission, while for emergency case call within 48 hours of hospitalisation 
    • Avail treatment and settle all hospitalisation costs
    • Collect original medical bills, receipts, examination reports, pharmacy store bills, etc, at the time of discharge
    • Get the reimbursement claim form and get it duly filled
    • Visit the closest ManipalCigna branch within 15 days from the discharge to submit the claim reports 
    • ManipalCigna will access the claim reports and ask for more records if required
    • After analyzing all the details, the insurer will approve or deny the claim 
    • If the insurer gives the approval, the amount of the reimbursement claim will be paid to the policyholder either through cheque/DD or net banking.
  • Documents Needed

    Here are the relevant documents, which are required to be sent to ManipalCigna for easy and hassle-free claim settlement:

    • Original investigation reports
    • Final hospital discharge summary
    • FIR or post-mortem report it happened
    • Pharmacy bills along with the prescription
    • Original bills, receipts, and discharge report
    • Indoor case papers and duly filled claim form
    • Original hospital bills and a valid photo ID proof
    • Treating doctor's report, and original consultation notes
    • Nature of operation performed and surgeon's bill and receipt
    • Test reports along with attending doctor’s or surgeon’s report.

    Have any doubts about the ManipalCigna claim settlement process, give a call to InsuranceDekho at 7551196989. 

  • Incurred Claim Ratio (ICR) of ManipalCigna Health Insurance

    A health insurance organization earns through the premiums that customers pay. And with that money, the insurers settle the claims too. So, the percentage of earning and paying in a health insurance firm is known as Incurred Claim Ratio (ICR). This denotes the financial soundness of a company too as the remaining amount after payments are made from earnings is called profit. The ICR of ManipalCigna Health Insurance claim settlement ratio for FY 2018-19 is 54%.

Health Insurance Calculator

Whom do you want the insurance for ?

You
Couple
Family
Father
Mother

Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members
Tax Save
Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

Health Insurance News

FAQs

  • What is a reimbursement amount?

    It is the amount paid back to you by the insurance company for admissible medical expenses you have incurred.

  • What is planned hospitalisation?

    When you plan your treatment in advance, it is called planned hospitalisation. The intimation of such hospitalisation should be given a minimum of 3 days before the date of hospitalisation.

  • What is a cashless claim? Please explain.

    In a cashless claim, you need not to pay any amount to the hospital for getting admission and availing treatment. To avail cashless treatment, get medical treatment at network hospitals of ManipalCigna. 

  • Is cashless claim treatment available at ManipalCigna?

    Yes, cashless claim treatment is available at ManipalCigna. To get this benefit, you need to avail treatment at a ManipalCigna network hospital. 

  • What is the reimbursement claim?

    Reimbursement claim means ManipalCigna refunds all the amount incurred during the treatment at a non-network hospital. This is applicable when you don’t find a network hospital in your city and choose to seek treatment at a non-network hospital by paying hospital bills and other amounts from your pocket. After getting discharged, you will need to send all the documents to ManipalCigna to receive the amount. 

User Reviews

Write your review
What users are saying
  • All
  • Price
  • Helpful
  • Network Hospitals
  • Claim
  • Renew
  • Premium
  • Top up
  • Critical Illness
  • Easy to Understand the Policy

    The InsuranceDekho website is quite easy to understand every process and feature. In no time I was able to buy the ManipalCigna Health Insurance plan, even the customer care team of Insurancedekho was helping me throughout the buying process. Thank You!

    S
    ManipalCigna
    By Sajid Khan
    On: Mar 05, 2024
  • Compare Plans Easily

    My purchase of the Manipal Health Insurance was smoother and more convenient. It was so easy to buy insurance online through Insurancedekho’s website. Moreover, I compared the health insurance policies through the online platform with ease. Happy to get secured with the best health plan. Thankyou InsuranceDekho.

    S
    ManipalCigna
    By Shikha Sharma
    On: Feb 07, 2024
  • Online Premium Calculator

    The online premium calculator available on InsuranceDekho helped me to find out the premiums of different health insurance plans. When I found that the premium of the ManipalCigna Health Insurance plan matched my budget, I spent no further time buying it.

    P
    ManipalCigna
    By Prince Singh
    On: Dec 11, 2023
  • Smooth buying process

    InsuranceDekho always offers a smooth buying process. I bought from them the ManipalCigna Health Insurance Policy recently and enjoyed a smooth buying process. I really appreciate their services.

    H
    ManipalCigna
    By Harish Pawar
    On: Aug 24, 2023
  • Great policy benefits

    I am happy to have bought the Care Health Insurance- Joy at InsuranceDekho. I bought it on a friend’s recommendation as it offers great coverage benefits. It was easy to buy the policy at the portal and I will visit it again for any insurance-related needs. 

    A
    ManipalCigna
    By Aseem Arora
    On: Aug 11, 2023

Network Hospital in Popular Cities

CityNo of Hospital
Pune212
Hyderabad304
Jaipur84
Surat42
Patna63
Gurgaon63
Lucknow51
View All